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The American Express Green Card is a great card in my opinion. It's not so much a credit card as it is cash with extra rewards and security. You don't get to carry a balance on the card which sounds inconveniencing but you never pay interest either. There is a small yearly fee of 95 dollars after the first year which is basically 7.90 a month. This best part about the card is the security. Any fraudulent purchase or stolen cards and you don't pay a penny. That's a lot safer than cash and you don't have to worry about online shopping or credit card phishing scams. The other added benefit is the rewards points which is the exact same as the American Express Gold Card so you know your getting great offers. Altogether I think this is an interesting idea and a great card.
The Citi Secured Credit Card is a decent card if you're rebuilding your credit or need your first card. It's very similar to the Bank of Americard Secured card in almost every way. The interest rate on the Citi MasterCard is a little lower at 18% and the cash advance rate is at the standard 25%. The Citi MasterCard does have a yearly fee of 29 dollars which isn't horrible but it also comes with the 0% liability with no fees that a lot of secured cards don't offer. Another good thing about this card is they automatically try to get you an unsecured credit card after a little while. Unlike most secure cards they don't wont to keep you tied in. Altogether this isn't a bad card if you're actively trying to rebuild your credit.
I got my Priceline credit card mainly because I book most of my flights and hotels through Priceline. The extra discount was enough to convince me that this was the card for me. The sign up bonus of 10,000 points was a great surprise and they went pretty far in the Priceline ticket store. I earn enough points in six months to afford an in country round trip ticket by using my card on almost everything. I just make sure to pay it off at the end of the month and I'm basically getting free travel. The interest on the card isn't that high at 15 percent for a rewards card. My first travel card was with American Express and it had a yearly fee on top of a 17 percent interest rate. So far I'm really happy with my card and doubt I'll find anything better anytime soon.
I originally signed up for the Ann Taylor LOFT credit card while Christmas shopping. The first purchase got me huge discount of 15 percent and seemed worth my time. Once I got it home and took a look at the paper work I realized it wasn't a bad card. Compared to my Macy's credit card the interest is the same 25 percent which is about average for a store card. It doesn't have any yearly fees and the discounts and savings really add up if your wife/girlfriend do a lot of shopping in the store. All and all it's a good card just make sure to pay it off at the end of the month and it's basically free money.
I got a Radio Shack Store Card a few years ago to finance a big purchase and am still using it today. It's a great card to finance through with a fair no interest program as long as you pay it off in year. With a minimum purchase of 300 hundred dollars that's really simple. It has a high interest rate like every other store card. My Home Depo card is actually a little higher and you need to spend a lot more to qualify. The card is also really handy for Christmas. If you have kids you know you need to buy a million batteries and they give you 15 percent off on all batteries in store which is an awesome deal.
The Discover More credit card is a great card in my book. It's not too hard to qualify to get a low interest rate with Discover and at 12 percent it doesn't get much lower. The cash advance rate is a high 24 percent but that's just like every other card out there. Both those interest rates are actually identical to my Bank of America Premium card but the Discover card has built in bonuses every time you use it. You get 1 percent back on everything a you can get 5 percent on great things like gas and groceries. Your basically saving money every time you use the card if you pay it at the end of the month. All and all this is a great card and I'm a happy customer.
The Citi Diamond Preferred credit card is an excellent card. It's a straight forward card with some simple benefits added in. Unlike a lot of cards the Citi card doesn't have a million little ways to earn extra pennies and then gouge you with high interest rates. It's just a credit card with a low interest rate of 12 percent and some convenient services. It does have the standard high interest rate of 25 percent for cash advance but that's the only bad thing about it. It's nearly identical to my Bank of America Premium card except the Citi card offers a few services to its members. The concierge service is great and easy to use and their presale tickets have something for everyone. Altogether I've been very happy with this card and it's been more useful than your average credit card.
The Tire Kingdom store card is a decent card if you need four new tires but not great if you only need one. The interest rate of 28 percent is in the high range for a store card but it's not too bad. I had a Discount Tire card a while ago with 25 percent interest and the economy wasn't what it is today. The Tire Kingdom card also comes with a 50 gift card that you can turn right around and spend on your payments. The no interest deal of 800 dollars is also pretty good. At first I didn't think I would qualify but you get to include labor charges if you don't want to pay for it right then and there. All and all this is a decent card if you make sure to pay it off and really helpful if you can't afford tires all at once.
The AAA Member Rewards credit card is pretty great. Compared to most cards it has a low interest rate at 13 percent but it does have the usual high cash back interest rate. The point system is also a little better than most cards with the added points for gas purchase. My Bank of America credit card has a standard one point across all purchase but the AAA card gives you a little extra on gas. The absolute best part of this card is the vouchers which are used every where. If you travel a lot this is a must have card. Renting a car, a room or even eating at a buffet just ask if there are any AAA discounts and you'll be surprised how many places have something for you. Altogether I'm happy with this card and plan on keeping it.